Choose your investment option

Choosing an investment option gives you more control over your retirement savings. All members of First State Super have a choice of eleven investment options for their superannuation.

Not sure which investment option is for you? For a guide to making an investment choice click here

Pre-mixed

• High Growth 
• Diversified 
• Balanced 
• Capital Guarded

Single asset class

• Australian Equities
• Australian Socially Responsible Equities
• International Equities
• Property
• Australian Fixed Interest
• International Fixed Interest 
• Cash 

Important information: The Trustee does not guarantee the capital invested or the investment performance of any of the investment options available to members in the Fund.

Choosing an investment option

While First State Super cannot make a recommendation about which investment option is suitable for you, see the Investment options supplement for more information.

The Trustee is not responsible for your investment choice and does not review your investment choice.

If you DON’T choose

Your current account balance will be invested in the default option for your age (see The Trustee’s default option below).

• Your future contributions will be invested in the default option for your age (see The Trustee’s default option below).
• A rollover from another superannuation fund will be invested in the same investment option as your future contributions.

If you DO choose

• You can choose different options for your current balance, future contributions and each rollover, and you can mix the options in any combination.
• If you choose an option for one or more of your current balance, future contributions or rollovers, you are no longer a ‘default’ option member and the automatic default change at age 56 will no longer be applicable.
• Choosing or switching your investment options for your current account balance does not affect your investment option for your future contributions or rollovers. Your future contributions and rollovers will be invested in the existing future contributions option, unless you nominate a different option for a particular rollover.
• If we receive a valid request from you before 5pm (Sydney time) on a business day to switch the investment option(s) for yourcurrent account balance, we will process it on the third business day and at the unit price(s) applying to the third business day after we receive your request.
• Nominations to change the investment option for future contributions and transfers will take effect on the next business day after the receipt of a valid request except where a contribution is attached.
• Where a contribution is attached, a nomination to change the investment options for future contributions will take effect when the contribution is invested in the nominated option.
• Any request to change investment option(s) received after 5pm on a business day, on a weekend or on a public holiday will be deemed to have been received on the next  business day.
• If you are switching your account balance and making a different election for your future contributions at the same time, any contribution processed before the switch will form part of the account balance being switched.
• Making an investment option choice for one rollover does not affect the investment option for any other rollover. You must make a separate investment option choice for each rollover to the Fund if you wish to have a different investment option for that rollover.
• If you select one or more of the single asset class options without adequately diversifying your investment in the Fund, you could be exposing your superannuation benefits to a greater risk of loss. 
• Over time the value and proportion of your investment option choice may change and differ from the percentage amounts of your election.

If you make an INVALID choice

We cannot process your investment option choice form unless it is completed correctly. If your form is invalid, for example, it is not correctly signed, then we will write to you advising that your choice is invalid and requesting a correction. Until we receive the correct form:

• Your current account balance will remain in the existing current account balance option.
• Your future contributions will remain in the existing future contributions option.
• Rollovers will be invested in the existing future contributions option.

The Trustee’s default option

The default option chosen by the Trustee is based on your age (less than 56 – Diversified option; 56 and over – Balanced option). When a default option member turns 56, their account balance automatically switches to the Balanced option and, unless you advise us otherwise, all future contributions and rollovers will be automatically invested in the Balanced option.

• To make an investment choice download the form here (PDF 268kb)
• Alternatively you can request a switch online once you log in to your account using your secure login details
• Click here for more detail about investment performance